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toll on the southern plains and deep south. creative acccounting at the federal level. with the u.s. expected to reach its $16.4- trillion debt ceiling before the end of the year, the treasury department will undertake acccounting manuvers to create $200 billion in what treasury secretary timothy giethner calls "headroom." call it, "in your facebook." an instagram user has filed what could become a class-action lawsuit over a policy change that would allow instagram to sell ads using a person's name or photo published on the website. instagram announced it would backtrack on the idea, but eventually wants to come back to users and explain its intentions. the u.s. government may expand its mortgage refinancing program to include borrowers not backed by fannie mae and freddie mac and also include borrowers who owe more than their homes are worth - about 22% of all homes with a mortgage. from department stores to bookshops to jewelry sellers, a lot of retail stocks are dragging around their empty boxes and gift wrap post- christmas. mark sebastian of option pit joins us. mark, welcome
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